Everything you can imagine is real.

This is why, when scouting around the world of competition, the Apples, Amazons, Googles and Facebooks stand out as far more interesting potential competition than the AT&Ts, Verizons or T-Mobiles. The internet based service providers are data leveraged organisations with vision, customer-centricity, differentiation and a different business model.

This does not mean that they have different business goals to the mobile carriers and the banks - these are, after all, shareholder proprietary organisations - but they work from the data rather than from the price. That’s why they’ll win … if they want to.